Hang Yang

About Hang Yang

At Capital One, my focus has been on enhancing consumer financial health through innovative solutions and user-centered design. The strategic roadmap I developed has led to a suite of product solutions that cater to essential financial needs, from savings optimization to comprehensive public assistance support. The introduction of multilingual strategies under my leadership has significantly expanded accessibility for diverse customer bases.With expertise in integrated marketing and a robust approach to measuring success through critical metrics and OKRs, our team has effectively tracked and improved consumer financial health. My previous experience at Compare.com, where I boosted the logged-in rate by improving user experience, directly informs my current role. Contributing to the creation of intelligent, real-time customer guidance, I am committed to driving forward the mission of financial empowerment and accessibility.

Experience

1. Business Manager

   Capital One

   Mar 2019 — Present · Mclean, VA, US

   Analyzed consumer checking overdraft product performance and profitability through monthly P&L reporting and quarterly business forecasts, identifying trends in customer engagement with financial products worth $150M+ in annual revenue.• Conducted scenario simulations and impact analyses for six major consumer banking product changes, aligning pricing strategies and mitigating risks to prevent losses exceeding $2M.• Developed customer segmentation models using K-means clustering, uncovering relationships between product usage patterns and customer behavior, which guided cross-product strategies and innovations.• Delivered end-to-end analysis for the launch of the “No-Fee Overdraft” product, driving adoption across 69M+ transactions while optimizing the product mix to maintain a loss rate below 0.7%.• Created a data-driven roadmap for customer-focused recommendations, integrating diverse data sources to identify synergies between products and influence customer decision-making.• Conducted a customer archetype study for high-risk customers, integrating quantitative and qualitative research to identify six distinct customer journeys, delivering insights that informed strategic initiatives to address customer needs.• Established key performance indicators (KPIs) and objectives (OKRs) to measure consumer financial health improvements, leveraging advanced data analysis to ensure alignment with business goals.• Designed a suite of customer-focused solutions, including tools to enhance savings and spending behaviors, including savings support, small dollar lending, and public assistance support, analogous to optimizing product promotion strategies and mix in a retail context.• Developed interactive dashboards to monitor product performance, streamline reporting, and provide stakeholders with real-time insights, enhancing decision-making and operational efficiency.

Education

• Shanghai Maritime University

  Bachelor of Engineering - BE

  2008 — 2012

• University of Virginia Darden School of Business

  Master of Business Administration (M.B.A.)

  2016 — 2018

• University of St.Gallen

  International Study Programme (Exchange)

  2018 — 2018